Wisr is offering a 0.25% rate discount on debt consolidation loans! Get a quick rate estimate to see your discounted rate.
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","type":"item"},{"heading":"Estimates have no impact on your credit scores","description":"See your loan options at no cost to you.
","type":"item"},{"heading":"Sync your repayments with payday","description":"Set up your repayments however works best for you.
","type":"item"},{"heading":"Easily manage your loan in Wisr App","description":"Easily track your loan repayments, change their frequency, and more.
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"},{"text":"Apply for your loan and upload your documents
"},{"text":"If approved, you could receive your money in 24 - 48 hours
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Want to know more? Check out our Smart Guide, What is debt consolidation?
","type":"item"},{"question":"Does a Wisr rate estimate impact my credit score?","answer":"Nope, not in the slightest. We use a soft credit check to determine your personalised rate and check if you’re eligible for a Wisr loan.
If you’re eligible and you think a Wisr loan is right for you, you can go ahead and apply. Just note that once you submit the full loan application, we’ll need to carry out a hard credit check to process it, which may impact your credit score.
","type":"item"},{"question":"How is the 0.25% rate discount applied?","answer":"When you get a rate estimate with Wisr, we’ll run a soft credit check (the kind that doesn’t impact your credit score) to determine your personalised interest rate.
If you're eligible for a debt consolidation loan with us, a 0.25% rate discount will be applied to your rate estimate so you can assess your options with the lower rate.
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Rate discount is applicable to sole purpose debt consolidation loans only. Eligibility criteria apply. Your rate is subject to our assessment of your application and financial circumstances.
To qualify, you must satisfy Wisr's eligibility criteria, including (but not limited to):
Are an Australian citizen or Australian Permanent Resident, or are a New Zealand citizen with a legal right to live and work permanently in Australia;
Meet Wisr’s Credit Policy criteria;
Are 18 years of age or older.
1: This rate applies only to borrowers with excellent credit histories. Wisr will also offer loans at higher rates to applicants with good histories, but who do not meet the requirements for our lowest rates. Interest rates range from minimum 7.19% p.a. to maximum 25.04% p.a. Loan example: for a borrower with excellent credit, a loan of $30,000 over a 5 year term, with an interest rate of 7.19% p.a. (comparison rate 8.02% p.a.) and a $595 establishment fee, the monthly repayment would be $608.56 and the total cost over the life of the loan (including the establishment fee) would be $36,513.84.
2: Comparison rate(s) based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments.
* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms may result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Note: All rates mentioned on this website are calculated on a per annum basis.
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